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Now here is our January ezine from Solidgoldmonthly. Check for the firewall and virus software downloads.

WELCOME to all of our old friends and to the members of
Ezineblaze who are receiving this issue. Carolyn and I
hope that you find our ezine informative and will visit
us at
http://www.solidgoldhomebusiness.com
and sign up for your personal subscription. 2003 is a
New Year and we have made some decisions that will
radically change the direction of our lives. More on
our personal situation in later issues but we thought
it appropriate to start this issue with the article
entitled "Rut Busting."

WordNet defines a rut as a groove or furrow (especially in soft
earth caused by wheels) or a monotonous routine that is hard to
escape; as in "her job made her feel that she was stuck in a rut".

What is this thing that we call a rut? Is one man's rut another
man's rapture?

I. What is a rut?

In nature, weight and repetition form a rut. A wagon wheel
travels the same path over and over and over again until the
ground retains the impression. If you've ever driven a rutted
road you know that once in the rut it becomes difficult to get
out. On the other hand a rut may serve a useful purpose; before
a road gets paved and straightened out, it often begins as a
series of ruts. So a rutmay lead you to a useful place; it may
just need paving.

The elements of a physical rut on a road can be compared to our
ruts in life. Our lives are full of repetitious activities from
eating to sleeping to brushing our teeth. Our jobs require that
we take the same road or train or bus. We take the same elevator,
we encounter the same people, we do the same work, we go home,
sleep and start all over again.

Some repetition is useful and necessary - too much seems to lead
to the formation of a rut. Let's look at the emotions that being
stuck in a physical rut cause. If you can't get your bike or car
out of a rut, you quickly begin to feel trapped, frustrated and
stressed. Sometimes you bow to the inevitable and simply continue
to move forward until the rut runs out. You may not be carrying
the equipment needed to bust out of the rut. You might need
someone else to help you pull out of the rut.

II. How did you get there?

When you were a toddler you learned to walk often by falling down
a lot. Sooner or later repetition had its effect and walking became
second nature. You might remember the first time you successfully
dressed yourself or tied your shoes and now these activities
second nature.

Our human selves are gifted with this ability to learn a task so
well we don't have to think about it at all. This makes us more
productive; consider how long it would take you to dress and get
out of the house if you had to think consciously about each step
of the process.

This learning process will eventually affect any behavior that
we do consistently. And this can lead to ruts. If you get home
at 6 p.m. every evening and lay on the sofa for an hour, you'll
eventually find you've fallen into a rut. I guess you could say
that a rut is a habit that we don't like anymore.

Look at the areas of your life you consider ruts. What activity
did you do repetitively that got you into the rut? Why was it a
good thing at first and not good now?

III. Do you want to get out?

But if we say we don't like the rut - are we sure we really
want it to go away? We must sometimes examine the reasons for
our ruts. It may be there to protect us from some pain we
perceive that the effort to change would cause.

Most of us don't change (behaviors, attitudes, relationships)
until the pain gets great enough. This doesn't need to be
physical pain - psychological and emotional pain can cause us
to change as well. The desire to get out of a rut - in our
relationships, our jobs, our free time - will only motivate
us when the alternatives become unattractive enough.

So your first task in rut busting is to honestly ask yourself
if the pain you feel is sufficient to move you in some other
direction. If the answer is "no" then the next task is to begin
to add reasons to change. Start a list - write down as many
reasons as you can to change and a second list of reasons to
let the status be "quo".

IV. How to get out of the rut.

Move in a direction perpendicular to the rut. In daily behavioral
terms, this means applying direct pressure in the direction away
from the rut. It means going out and walking instead of sitting in
front of the TV. It means confronting the jerk at work instead of
knuckling under. Ever notice how loud an engine gets when it’s
trying to power out of a rut? This is hard to make ourselves do
but probably the quickest way to get results.

Get a plank or some other tool to increase your traction. In life
terms this means taking a class or joining a support group or
reading a book. It may mean asking for help which, if you’ve
ever been stuck in a rut, can be embarrassing.

Call a tow truck. Hire a coach or get some counseling.
In this day and age it is not a negative stigma to
establish a relationship with a professional who can
guide you and provide you with the life tools
you need to change.

Get a more powerful vehicle. Go back to school. Strengthen
yourself physically. Eat better, sleep more. One of the
things I learned after I’d taken Time Management and Stress
Management classes was that I wasable to handle more "things"
in my life which kept me out of a rut.

V. How to stay out.

Map out the road ahead to avoid the ruts. If you have no life
goals or plans you’ll tend to get back into ruts easily. Read
Barbara Sher’s book "I Could Do Anything in Life, If I Just Knew
What it Was".

Get a guide who can show you how to stay out of trouble. Ole
Steve, the Croc Hunter, never seems to need a guide but
most of the rest of us do. Again, the key here is a
relationship with a coach or counselor or support group who
can help you stay honest.

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A client recently asked us about water purifiers. Greenville
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final treatment instead of chlorine is ultraviolet light.
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office. What I discovered is the most advanced water purifier
on the market. Never buy bottled water again!

http://www.EcoQuestIntl.com/mrushing

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The Mortgage Scam

by Wayne Patterson

With interest rates at a thirty-year low
many homeowners are scrambling to refinance their
mortgages. Some of these loans are being resold to what
is being termed a "predatory lender" and the homeowner
becomes a victim of the Mortgage Scam. What is a
predatory lender? A predatory lender is a mortgage
company that purchases loans from a reputable company
and then conveniently loses one or more of your
payments during the transition period. Their customer
service is nonexistent and they refuse to accept items
such as canceled checks or paid receipts as evidence of
payment. First you receive harassing phone calls from a
collection agency demanding payments that you have
already made. Then you find yourself at the receiving
end of a foreclosure notice and your home in danger of
being sold at the courthouse door.

A typical story is that of Patricia Richards of Powder
Springs, Ga. Her mortgage was sold to Fairbanks Capital
Corporation. Fairbanks then claimed Patricia had not
made several payments and proceeded to publish her home
for foreclosure. Not only was she about to lose her
home, her excellent credit rating was also at risk.
Since Fairbanks and their attorneys would not respond
to Patricia, she was forced to hire an attorney at her
expense to resolve the issue. Fairbanks beat a hasty
retreat without any apology. Based on the numerous
reports, Fairbanks appears to be one of the major
players in the predatory lending field. These reports
can be accessed at many scam sites such as
www.complaints.com and www.badbusinessbureau. Do a
search for mortgage.

These complaints also document other types of mortgage
scams such as failing to post your payments in order to
collect late fees, overcharging for taxes and insurance
and fees for nonexistent "property inspections." The
disturbing part is that consumers are receiving little
help from the state and federal agencies that are
supposed to regulate the mortgage industry.

Therefore it is up to you to protect yourself from the
clutches of a predatory lender. Deal with a reputable
company that has a local office where you can make your
payments and talk to a real person if there is a
problem. Make all of your payments on time and by
check. Be sure to keep a copy of all your bank
statements. Automatic bank drafts are convenient and
will prevent late fees but I advise against them
because it will be impossible to reverse any other
unwarranted fees. Respond promptly to any notices. Be
alert to any charges that you do not understand.
Confirm any contacts with customer service with a
letter, certified mail return receipt is advisable.
Most of us rely on a telephone call or email to
compalin. These are often ignored and we later have no
proof. A certified letter is a legal document
admissible in court.

I am not a lawyer and cannot give legal advice. But I
do know that predatory lenders prey on those who do not
know their rights. If you do not know your rights you
do not have any. The advice of an attorney may be
required so consider purchasing a pre-paid legal plan
prior to closing the loan. If you do have problems with
the lender contact your state attorney general and file
a formal complaint. Also be sure to notify the credit
reporting agencies that there is a dispute so your
credit will not be damaged.

Most of us assume that mortgage companies are
interested in providing good customer service and will
correct any mistakes. The fact is that even the most
reputable company makes mistakes that can be difficult
get corrected. When we encounter a predatory lender
that deliberately participates in a mortgage scam, we
are at their mercy unless we act promptly and take the
proper precautions.

http://www.prepaidlegal.com/info/aoates

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Thought to Start The New Year

You can't change the past but you can ruin a perfectly
good present by worrying about the future.

Decision Magazine

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